I traded in my paid off na, paid cash the difference So I own the car clear. Insurace is ~$700 a year full coverage since I have a clean driving record. Nothing has broke on the car the year I've had it. (knocks on wood twice). And I put most the mods on it the first few months I had it. Since then I have just been paying gas and insurance. They aren't all money pits. (knocks on wood third time).